CAN I START THE HIPAA PROCESS FOR ACCOUNTS OVER FIVE YEARS OLD?

[Anonymous]

I HAVE SEVERAL MEDICAL ACCOUNTS THAT ARE DUE TO FALL OFF MY REPORT BETWEEN 2010-2012. Can I still start the HIPPA PROCESS OR IS IT TO LATE?

[Anonymous]

It is never too late. Are these paid?

[Anonymous]

no these are not paid. should i dv first or is this the right way to go about this?  i have the money to pay most of these off.  im still confused on using purple or teal font. am i to find a purple or teal titled font or am i to hand write it in purple or teal ink?.

[Anonymous]

Forget the color....handwrite all disputes!  Otherwise the CRA will just scan it into their PC.

Medical is different then all other collections so  NO DV and NO contact with the CA!!

Pay the OC only using the restrictive endorsement!   Forget about the CA.

Besure to opt out with the CRAs and you might want to opt-out with all creditors that you are in good standing with.  This will avoid collections from being picked up by a JBD.

Because this is about to drop, be sure to keep hard copies of all CRs

[Anonymous]

OK SO JUST SO THAT IM CLEAR I NEED TO HAND WRITE THE PRE HIPPA LETTER AND SEND IT CERTIFIED MAIL TO THE CRA's.  AND IF THEY DONT VERIFY IT THEY WILL REMOVE IT?  AND IF THEY DO VERIFY IT, I WILL NEED TO PAY THE ORIGINAL CREDITOR AND NOT THE CA?  ALSO, I DONT BELIEVE THAT SOME OF THESE MEDICAL ACCOUNTS ARE EVEN ACCURATE.  SO WHAT DO I DO IN THOSE CASES?  IT SEEMS AS THOUGH THE INFO REQUESTED IN THE PRE HIPPA LETTER IS NOT HARD FOR A COLLECTION AGENCY TO COME UP WITH.  WHAT ARE MY ODDS IN THEM NOT BEING VERIFIED AND DELETED?  ALSO, CAN I GET AROUND PAYING THEM IF THE SOL IS UP. I AM IN GEORGIA AND THE SOL IS 5 YEARS FOR WRITTEN CONTRACTS AND MANY OF MY DOFD IS IN 2003/2004. WHAT SHOULD I DO,? IF THERE IS ANYTHING I CAN DO?

[fused]

Can you afford to pay these med collections in full if you have to?

[Anonymous]

YES WITH THE EXCEPT OF ONE OR TWO THAT ARE OVER A THOUSAND DOLLARS EACH.

[fused]

For the med collections you cannot afford to pay in full, are they from hospitals or doctors?

[Anonymous]

ONE IS FROM THE HOSPITAL FOR 1380 AND THE OTHER IS FROM AN AMBULANACE SERVICE FOR 1396. THE HOSPITAL DOFD IS 2006 AND THE AMBULANCE IS SCHEDULED TO FALL OFF IN 2013 SO 2006?

[fused]

If you haven't read the medical collections & HIPAA letter process link in sig line, please do so.

For the ones you can afford to pay in full (if you have), please follow the first three steps of the HIPAA letter process.

1.) You must Opt Out of two things: Your Credit Reports and All Creditors. The first one ensures that the CRAs will not sell your personal data to anyone else (haha…no more data mining). The second one will prevent JDBs (and CAs) from buying and selling bogus collections.

Use this link to opt-out of your credit reports

OPT-OUT CREDIT REPORTS (or call 1.888.567.8688)

Use this link to opt-out from all of your CURRENT creditors that you're in GOOD standing with. Do not attempt to opt-out with any CAs or current creditors that you're in BAD standing with (i.e. charge-offs, or currently late).

OPT-OUT ALL CREDITORS

2.) Also, be sure to update your personal information with the CRA's before attempting to reestablish your credit.

3.) Send the pre-HIPAA dispute letter to the CRA ('s) CM (no RR, this is the only letter in the HIPAA process where you will not send it CMRRR) and wait up to 35 days for the results of the their investigation(s). Be sure to handwrite this letter (and envelop) and use personalized stationary. If your med collections are deleted, you're finished. If not, post again in this thread for more advice. Good Luck!

PRE-HIPAA MEDICAL DISPUTE LETTER